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Community Bank, National Association

$10B-$250B Specialty: Commercial NY FDIC cert 6989

Canton, NY

214 branches across NY · PA · VT · MA · IN · NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
  • Deposits +7.0% year over year ($14.9B on the books).
  • Delinquency rate 0.51%.
  • Return on assets 1.19%.
  • Efficiency ratio 57.06% vs a 53.67% peer average.
  • Loan-to-deposit ratio 75.26% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in NY
View $10B-$250B leaderboard (NY) →

Community Bank, National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 45.7% in tier
  • - ROA 0.20% below tier average
  • - Net Interest Margin 0.42% below tier average
  • - Efficiency Ratio 3.39% above tier average
Get updates when Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $17.4B
+6.4% YoY +0.1% QoQ
-$26.2B $43.6B
-13.8% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $11.2B
+7.2% YoY +1.4% QoQ
-$16.8B $28.0B
-8.6% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $14.9B
+7.0% YoY -1.0% QoQ
-$20.5B $35.4B
-14.0% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.19%
+12.3% YoY +2.2% QoQ
-0.20% 1.39%
+25.9% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.50%
+5.6% YoY +1.4% QoQ
-0.42% 3.92%
+8.9% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 57.06%
-3.9% YoY +0.3% QoQ
+3.39% 53.67%
-1.9% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.51%
-0.7% YoY +4.3% QoQ
-0.51% 1.01%
-2.8% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 75.26%
+0.2% YoY +2.3% QoQ
-7.35% 82.61%
+3.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 27.09%
-0.5% YoY +5.0% QoQ
+6.51% 20.58%
+4.9% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.37%
-1.0% YoY +4.2% QoQ
-0.36% 0.73%
+5.8% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 11.73%
-6.2% YoY -2.1% QoQ
-3.62% 15.35%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Bottom 13.7% in tier
Non-Interest Income / Assets ? 0.40%
+2.3% YoY +101.8% QoQ
-0.09% 0.50%
+10.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 27.1%
-0.1pp YoY
+1.3pp QoQ
 +6.1pp 21.0% 22.1% 22.2% 71%
Brokered Deposits n/a n/a 9.2% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 9.2%
+0.2pp YoY
+0.4pp QoQ
 -8.0pp 17.2% 11.0% 12.5% 21%
CRE 32.9%
+1.4pp YoY
+0.6pp QoQ
 -9.1pp 42.0% 46.2% 41.4% 28%
1-4 Family 38.0%
-1.4pp YoY
-0.5pp QoQ
 +14.9pp 23.1% 36.6% 31.3% 89%
Consumer 18.9%
0.0pp YoY
-0.4pp QoQ
 +6.0pp 12.9% 5.1% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 11.7%
-0.8pp YoY
-0.3pp QoQ
 -3.5pp 15.3% 26.1% 19.7% 14%
Leverage Ratio 7.9%
-0.1pp YoY
0.0pp QoQ
 -2.6pp 10.4% 13.9% 12.6% 6%
Total Capital Ratio 12.5%
-0.8pp YoY
-0.3pp QoQ
 -4.0pp 16.5% 27.2% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 2,119
+57 (+2.8%) YoY
+4 (+0.2%) QoQ
 -1,139 3,258 914 482 54%
Assets per Employee ($) $8.2M
+3.5% YoY
-0.1% QoQ
 -$18.8M $27.0M $14.8M $8.8M 14%
Branch Count 214
+3 (+1.4%) YoY
+2 (+0.9%) QoQ
 +76 137 27 18 79%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.1% 0.4% 59%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.7% 1.3% 1.0% 29%
Allowance Coverage 1.61x
+4.7% YoY
-3.9% QoQ
 -1.20x 2.81x 1.92x 20.23x 43%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.1% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 12.5%
+0.5pp YoY
+0.2pp QoQ
 -0.1pp 12.6% 7.9% 11.6% 63%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 2.0% 1.8% 1.7% 6%
Net Income ($, YTD) $102.9M
+18.8% YoY
— QoQ
 -$194.0M $296.8M $111.2M $40.4M 30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#17 of 35 • Bottom 45.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.73%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

35
Loan-to-Deposit Ratio
liquidity
Value: 75.26%
Peer Median: 82.61%
#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (1 metrics)

121
Tier 1 Capital Ratio
capital
Value: 11.73%
Peer Median: 15.35%
#121 of 139 Bottom 13.7% in $10B-$250B
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